A credit score is a simplified overview of your credit history, giving lenders and prospective loan providers a general idea of your previous credit commitments, repayments and reliability. Currently in the UK, credit scores are measured by three credit reference agencies (Experian, Equifax and TransUnion), who monitor and allow you to check your credit score.…
MoneyPlus money saving guide to owning a pet 2022 A pet is for life not just for Christmas… and so are the costs. Having a furry friend in your life can be a joy but it isn’t unfortunately one that comes with a price tag. MoneyPlus have created a complete guide to the costs and…
Credit scores In its essence, a credit score is a number that lenders (banks, car finance dealers etc.) use to determine the risk associated with loaning money to someone. These lenders decide how much they’re willing to loan you (and at what interest rate) based on your credit score – it can also be checked by landlords…
Pensions Pensions are one of the most important things to build up when you’re of working age, but many of us don’t even think about them until the time comes to claim them. Think of a pension as a type of long-term savings plan (actually, that’s exactly what it is). It’s one of the most…
Benefits It’s no secret that the benefits system in the UK can be quite confusing to those not in-the-know, especially considering that incoming governments bring with them new changes that can complicate things further. But the bottom line has always remained the same: you could be entitled to financial support depending on your personal circumstances.…
Erroneous transfers: Switched by mistake Switching energy suppliers is usually a very straightforward process, and involves very little input from the customer past the point of the initial switch; energy companies speak to each other directly to ensure that switches go ahead smoothly and with no disruption to supply. However, occasionally an energy supplier takes…
The Rundown: Travel Insurance. What Cover Do You Need? Flip-flops, swimming costume, shorts, shades, suncream… When you’re getting ready to go on holiday, travel insurance can end up being last on your list of priorities. As it’s usually only taken out for a short period of time, it can be difficult to know exactly what…
The Rundown: Railcards. Am I Eligible and Is It Worth It? Train companies are always pushing railcards as a way of saving money. But, are they worth it and are you eligible to apply for one? Here’s the rundown on railcards. The 16 – 25 Railcard The 26 – 30 Railcard The Two Together Railcard…
What’s So Smart About Smart Meters? The energy bill drops onto the doormat and that heated argument kicks off again about how much it costs to leave that light on all night, who forgot to turn the TV off, the central heating being on too long, the hair straighteners draining the national grid. Every time…
Should You Switch Energy Provider? You’ve been with the same energy provider for years. Although you’re not going to invite them around for a beer any time soon, it would feel a bit disloyal to dump them. Gas and electricity are always there when you need it and as to the cost… it’s the same…
Pre-payment Gas Meter vs Credit – What’s Cheaper Gas bills are just a part of life for most of us. We use it, pay for it, don’t really give it a second thought if we’re honest. If the cooker and the central heating work and there’s enough hot water for a shower, there’s not much…